Ill-health retirement

If you’re seriously ill and unable to work, you may be entitled to receive your deferred pension from the Scheme immediately, without it being reduced for early payment.

The Scheme’s medical adviser would need to carry out a full medical assessment to determine whether you meet the criteria for ill-health retirement.

The process

  1. 1.

    Contact us and request an application pack.

  2. 2.

    The pack includes:

    1. Process information
    2. Forms
  3. 3.

    We’ll ask your doctor for some information.

  4. 4.

    You’ll be invited to a health assessment with a doctor trained in occupational medicine.

  5. 5.

    The medical adviser to the Scheme will consider the information and make a recommendation to the Trustee.

  6. 6.

    The Trustee or its delegates will make a decision and let you know the outcome.

  7. 7.

    If ill-health retirement is granted, we’ll write to you with a pension quote, your options and forms.

  8. 8.

    You send the completed form back.

  9. 9.

    We’ll pay your pension on the 15th of every month. If you take a lump sum, this is paid from the first Friday after your retirement date.

Terminal illness:
If your life expectancy is less than 12 months, you could surrender all of your ill-health pension for a lump sum.

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